Life and Income Insurance in Buffalo, NY

Disability & Life Protection Strategies

Insurance isn’t about worst-case scenarios.

It’s about protecting the life you’re building

— your income, your family, and your future —
so one unexpected event doesn’t derail everything you’ve worked so hard for.

At Wilcox Financial Group, insurance is never sold in isolation. It’s thoughtfully integrated into your broader financial plan, ensuring your protection strategies align with your goals, values, and long-term vision.

Why Insurance Planning Matters

Your earning power and your ability to make choices are two of your most valuable assets.
Insurance planning exists to protect both.

The right coverage helps:

+ Replace income if illness or injury prevents you from working
+ Protect loved ones financially if something happens to you
+ Preserve wealth and options later in life
+ Reduce financial stress during already difficult moments

This isn't about fear.
It's about resilience, preparation, and confidence.

What We Offer

Life Insurance

Life insurance creates financial security for the people and causes you care about most. We help you determine the appropriate amount and structure of coverage based on your responsibilities, goals, and long-term plans — not arbitrary rules of thumb.

Whether protection is needed for family support, debt coverage, business continuity, or legacy planning, we design solutions that make sense for your life today and where you’re headed.

Disability Insurance

Your income fuels everything else in your financial plan. If that income stops, the ripple effects can be significant.

Disability insurance helps protect your lifestyle and financial independence if illness or injury limits your ability to work. We evaluate existing employer coverage, identify gaps, and recommend solutions designed to replace income in a way that keeps your plan intact.

Simply put: this protects your most valuable asset — you.

Long-Term Care Planning

As people live longer, planning for care becomes an essential part of protecting wealth and preserving choice.

Long-term care planning helps address the potential cost of extended care — whether at home, in an assisted living environment, or a skilled nursing facility. Our role is to help you evaluate options early, understand trade-offs, and integrate care planning into your overall strategy without unnecessary complexity.

How We Approach Insurance Planning

We don’t sell products. We design protection.
Our process is intentional, educational, and aligned with your financial plan.

We Listen First

We take time to understand your life, priorities, responsibilities, and comfort level with risk.

We Educate Clearly

Insurance can be confusing. We explain options in plain language so decisions feel informed — not overwhelming.

We Design Strategically

Coverage recommendations are based on your financial plan, not commissions or quotas.

We Coordinate Holistically

Insurance works best when aligned with cash flow, investments, tax planning, and estate planning.

We Review Over Time

As life changes, your protection strategy should too. We revisit coverage as needed to ensure it stays relevant.

Ready to Build Protection That Fits Your Life?

schedule your strategy conversation

Unconflicted Advice, Always

We do not receive compensation from insurance carriers beyond disclosed commissions.
We do not sell only proprietary products.
We do not make recommendations that don’t serve your best interest.

That independence allows us to objectively analyze available solutions and recommend coverage that supports your plan — not someone else’s agenda.

No hidden fees. No pressure. Just thoughtful guidance.

When insurance is done well, it fades into the background — quietly doing its job while you focus on living your life.

That’s our goal.

How much Life Insurance Will You Need?

Have people in your life you love and want to make sure they’re taken care of when you die? Have debt you need to make sure can be paid off in the event you die? We can help determine how much life insurance you need and what kind!

There’s a lot of information out there about life insurance, and there are a lot of different types: Term, Whole Life, Universal and Variable Universal Life—it’s our mission to make sure you get what’s right for you and you understand what you’re buying!

¹Distributions under the policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10 percent tax penalty if the policyowner is under age 59½.

Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

Find Me at Life Happens

Sarah Blankenship is a member of the National Association of Insurance and Financial Advisors (NAIFA). The National Association of Insurance and Financial Advisors (NAIFA) is an unaffiliated membership organization. General membership involves an application and membership fee.